欢迎来到任何地方。我是詹妮弗·特舍（Jennifer Tescher），记者变成了财务健康冠军。作为金融健康网络的创始人兼首席执行官，我的职业生涯都雷竞技最新网址将有远见的领导者与不断增长的Fin Health运动联系起来。现在，我正在与您分享这些对话。发现这些有远见的人如何挑战现状并改善其客户，员工和社区的财务状况。
The goal of starting this podcast three years ago was to bring diverse voices together to explore how an integrated approach to financial health could create lasting change for all. My guests this year truly represented the embodiment of my vision.
在金融服务领导者Holly O’Neill，Jeff Jones，Gigi Hyland和Shamina Singh，我们探索了采用财务健康战略的方式如何增强消费者的满意度和业务目标。
We explored innovation’s role in creating paths to financial resilience through the work of entrepreneurs Rachel Schneider, Ennie Lim, and Tom Spann.
Policymakers Michael Hsu and Her Majesty Queen Maxima of the Netherlands reflected on the distinct role governments can play in driving the well being of citizens.
We took a look at the intersection of physical, mental and financial health with Dr. Bechara Choucair and Dr. Tamarah Duperval-Brownlee, and how the healthcare industry is waking up to the reality of what financial stress and instability can do to our brains and bodies.
And finally, my friend John Hope Bryant – through his focus on reversing historic inequities – reminded us that hope for the future remains one of the most powerful tools for systems change.
I hope my conversations with these financial health leaders and champions have inspired you as much as they have inspired me, and have fueled your efforts to drive financial well-being for your customers, employees, and communities.
We are seeing tremendous momentum in the broader financial health ecosystem. The FDIC recently announced that nearly 96% of American households now have a bank account, meaning that 5 million households have entered the banking system since 2011. It took a combination of events and circumstances to get us here – a strong economy, a new technology, and bankable moments like natural disasters and the pandemic – and as a result, the financial services industry is more frequently putting the consumer at the center.
We’re seeing them dedicate real resources towards business initiatives that drive improvements in the financial health of their customers. They’re reducing overdraft fees. They’re helping consumers plan for both the short-term and the long-term. They’re hiring financial health experts to take on new critical business roles.
同样，雇主正在选择投资员工的财务状况。各种规模的公司正在提供从紧急储蓄到财务建议和预算服务的更全面的利益和资源，以帮助缓解工人的财务压力。
金融健康也已进入政策世界，无论是在国内还是国际上。政策制定者开始意识到财务健康是健康经济和民主国家的驱动力的事实。
财务健康甚至依靠Investopedia在2022年的当天条款降落，巩固了其在词典中的地位。
These moves are a testament to the inspiring embrace of consumer financial health that, if done correctly and with the right intentions, can power a genuine shift in America’s well-being.
我已经在这段旅程中待了近二十年，因为2023年将纪念金融健康网络成立19周年，目睹这一势头既谦卑又鼓舞人心。雷竞技最新网址这也在关键时刻发生。《财务健康脉搏趋势》的报告发现，自五年前我们开始测量以来，美国人的财务状况在2022年首次下降。消费者预算因通货膨胀而变得稀薄，随着美联储试图将其限制并降低价格，人们担心提高利率最终会导致衰退。
现在的行动时间是。我们需要帮助人们充分利用他们拥有的每一美元，并帮助他们管理费用。在经济低迷到来之前，我们还需要为消费者提供降落。
正如我在今年出现的会议上所说的那样，“财务健康是一段旅程，也是一个漫长的旅程。您一路上会感到疲倦，有时您可能不会觉得自己可以继续前进。但是你必须。我们必须。赌注太高了。因此，在那些挑战时刻，我提醒您将一只脚放在另一只脚的前面，然后向前倾斜。”
It has been a remarkable year, and I wish all of you a moment of rest and reflection before we dive in again in 2023. Thank you for listening and for all the continued support.
Happy holidays.
President and Chief Executive Officer雷竞技最新网址
